Have your money work for you
Innovative, secure and efficient Collections, Payments, Liquidity Management and Channel solutions that drive efficiencies.
Our in-depth understanding of the African continent; its regulatory framework, transactional landscape, payments and settlements infrastructure guarantees you access award winning expertise and tailored cash management solutions to optimize your business operations. We understand how to navigate complexity, while delivering seamless Pan African solutions.

Electronic Collections
Process bulk or multiple collections simultaneously through our intuitive, secure and cost-effective channels
Our receivables capabilities cater for normal debit orders or Electronic Funds Transfers (EFTs) and authenticated and non-authenticated collections – while accommodating the regulatory requirements of different countries.
Our reporting capability provides a view of successful, unsuccessful and disputed collections to simplify your reconciliation.
Electronic Payments
Pay your suppliers, creditors, staff and regulators efficiently and securely using our payments solutions
Our payment services can be tailored based on your business needs – such as processing payments only against available funds or against a credit facility – and to a bank account or a mobile phone using cash send and mobile wallet.
Our Electronic Payments capability also enables real-time clearing to support immediate payments obligations.


Physical Cash
Mitigate the risk of holding large amounts of cash with various physical cash handling solutions
Manage your physical cash safely and efficiently with our comprehensive end-to-end physical cash handling solutions.
Our physical cash solutions include fully automated, manual, cash deposit ATM's, Branches and Kiosks to fulfil your unique cash handling requirements.
Card Solutions
Collect from your customers and manage your corporate spend with our market-leading card solutions
Our market-leading card acceptance solutions range from fixed, portable and integrated options, to mobile devices and ecommerce solutions – supporting all major card service providers including Master Card, Visa, Amex, UPI and Diners.
We also issue a wide range of card solutions to support your corporate spend requirements.


Integrated Solutions
Process payment transactions seamlessly and securely direct from your line of business system
Our liquidity management structures will enable you to have sight of your cash position across your investment and current accounts to make the most efficient use of your available cash and other liquidity assets.Our integrated solutions offer supplier validation, seamless payment processing and automated reconciliation capabilities.
This offering unlocks various efficiencies such as eliminating ‘swivel-chairing’ between the line of business system and the banking channel and removing the administration and its associated risks created by the manual processing of transactions.
Third-Party Fund Management
Gain full visibility and control of your entire trust or third-party accounts
We offer a highly secure and intuitive Third-Party Fund Management (TPFM) solution that will allow you to open and close trust or third-party accounts, create and manage guarantees and process payments with ease. We also provide a comprehensive reporting capability to support your reconciliation and reporting needs.
Our TPFM solution caters for the requirements of Attorneys, Liquidators and deceased estates.


Cross-Border Payments
Make secure international and cross-border transactions with ease
Pay or receive funds seamlessly and securely through our International Banking solutions including Foreign Exchange, International Payments, Foreign Currency Accounts and Letters of Credit. We have a team of experts to provide you with advice and support throughout the journey with us.
Our payments solutions ensure a hassle-free travel experience. We provide foreign banknotes, an easy-to-use Cash Passport™ card and access to an Omnibus Travel Facility to make your trips that much easier.
Information & Reconciliation Services
Have full sight and control of your bank transactions
Validate beneficiary bank accounts, receive transaction notifications and reconcile with ease with our information and reconciliation services.
Gain control of your banking transactions with our Account Holder Verification, Notify me for Business, Deposit Identifier and Statement Delivery services.


Liquidity Optimisation
Optimise your cash balances with our sweeping and notional pooling structures
Our liquidity management structures will enable you to have sight of your cash position across your investment and current accounts to make the most efficient use of your available cash and other liquidity assets.
Investments
Invest with solutions that give you competitive yields
We offer flexible, low-risk and high-yield investment solutions to meet your short-term investment needs.
We work with you to tailor competitively priced investment offerings to suit your requirements across options on tenure and access to funds.


Working Capital
Align your cash flow cycles with our working capital management facilities
Our credit facilities are tailored to finance your working capital requirements with solutions to support you throughout the year or seasonally as required.
Balance Reporting
Manage your investment and current account structures with our online channel
Create and manage sweeping structures at your own discretion through our online channel.
Inform your cash management decision-making with comprehensive group-level or account-level notional pooling interest reporting.

Latest insights
Leading-edge thinking from our team of financial and sector experts.
The Foschini Group – ZAR 3.95 billion Rights Offer
The largest fully underwritten rights offer in 2020, ensuring a strengthened balance sheet well-positioned for resilience and growth opportunities
Harmony Gold – ZAR3.5 billion Accelerated Bookbuild
The first material capital raise for an acquisition since the start of the South African COVID-19 related lockdown
Growthpoint Properties – ZAR 4.3 billion Accelerated Bookbuild
The largest accelerated bookbuild offering in 2020 and the largest equity raise since the start of the South African COVID-19 related lockdown, in support of the company’s strategy to reduce leverage, retain operating flexibility and continue development and investment activities